Quick Answer — How Much Is Title Insurance?
The Consumer Financial Protection Bureau describes combined owner and lender policies as typically 0.5 to 1.0 percent of the purchase price. The premium itself is a one-time charge paid at closing, and unlike most insurance it covers a period that has already happened — defects in the chain of title before you bought.
A $450,000 purchase with a $360,000 loan, on the default tier schedule:
- Owner policy premium — $2,150, about $4.78 per $1,000
- Lender policy priced alone — $1,745
- Lender policy at simultaneous issue — $150
- Endorsements — $400; settlement and closing services — $950
- Total title charges — $3,650, or 0.811 percent of the purchase price
Premiums alone are 0.511 percent — right at the bottom of the CFPB range — and the rest is services rather than insurance.
Title rates are filed state by state and vary widely. The tiers here are illustrative national ballpark figures. Replace them with your own state's schedule for a real estimate, and take the binding numbers from your Loan Estimate and Closing Disclosure.